A balance transfer offer lands in your mailbox. 0% APR for 18 months. Sounds good — but is it actually worth it after the transfer fee? What about refinancing your personal loan from 16% to 11%? How much does that actually save over the remaining term?

These are questions most people answer with a gut feeling. APR Escape answers them with math. Enter your current rate and the new rate. See the exact interest savings, the break-even point on any transfer fee, and whether the move is worth making.

How It Works

Enter your current debt — balance, current APR, and remaining term. Then enter the new rate you're considering — a balance transfer offer, a refinance quote, or a consolidation loan rate. APR Escape calculates the total interest under each scenario, the exact savings from switching, and the break-even point if there's a transfer or origination fee involved.

Run multiple comparisons side by side to evaluate different offers before you apply for anything.

Enter your current balance, APR, and remaining term
Enter the new rate you're considering
Add any transfer or origination fee to calculate break-even
Compare total interest under both scenarios
Make the decision with the actual numbers in front of you

Who It's For

APR Escape is built for anyone evaluating a rate change on existing debt — whether that's a balance transfer, a refinance, or a consolidation loan. It's the right fit if you:

Have received a balance transfer offer and want to know if it's actually worth the fee
Are considering refinancing a personal loan, auto loan, or student loan
Want to compare multiple rate offers before applying
Are deciding between paying off a high-rate debt vs. refinancing it at a lower rate
Want a simple, one-time tool that does the interest math without a subscription

It's a decision-support tool, not a full debt tracker. Use it to evaluate rate changes, then use Paydown Compass or Snowcap Strategy to execute the payoff plan.

What's Included

Current vs. New APR Comparison — total interest under both rates for your specific balance and term
Interest Savings Calculator — exact dollar amount saved by switching to the new rate
Transfer Fee Break-Even Calculator — how many months until the interest savings exceed the transfer or origination fee
Multi-Offer Comparison — evaluate multiple rate offers side by side before applying
Interest Comparison Chart — visual showing your current interest path vs. the new rate path over time
Decision Summary — clear verdict on whether the rate change saves money after fees

Instant digital download. After purchase, you'll receive a link to copy the Google Sheet directly to your Google Drive. No software to install, works on any device.

Frequently Asked Questions

How do I know if a balance transfer is worth the fee?
APR Escape calculates the break-even point. If you'll carry the balance past break-even, the transfer saves money. If you'll pay it off before, it may not be worth the fee.

Can I compare multiple offers at once?
Yes — enter multiple rates, terms, and fees side by side and see total interest and savings for each.

Does this work for auto and student loans?
Yes — any debt with a current rate and a potential new rate works. Enter balance, APR, term, and new rate.

What about 0% promotional offers?
Enter 0% as the new APR and the promo period as the term. Use the break-even calculator to factor in the transfer fee.

Is this a subscription?
One-time purchase. Copy it to your Google Drive and own it forever. No fees, no account, no renewal.

APR Escape – Interest Rate Comparison Google Sheets